Generally, the down payment for public houses should be at least 30%. The property right of public houses belongs to * * *, and it is generally impossible to apply for housing mortgage loans, because such housing property rights do not belong to individuals and cannot be used as collateral. Compared with ordinary housing, ordinary housing also needs to pay a down payment of 30%, but the property rights of ordinary housing are completely owned by individuals. After buying a house and handing it over, you can apply for a real estate license and get a real estate license and a house land use certificate. The ownership of the house is completely owned by the individual, and you can buy and sell it freely, or you can apply for a loan as a mortgage.

Why is the resettlement house cheap and no one buys it? 1, because the lighting effect and ventilation effect of resettlement houses are not particularly good, because the floor area ratio of resettlement houses is relatively high and there are many people living in them, so the comfort of resettlement houses is not very high.

2. The supervision of resettlement houses in the construction process is not as strict as that of commercial houses, so the construction quality of resettlement houses is not particularly high, such as various quality problems.

3. The property management of resettlement houses is also very casual. After all, there are few property resources for resettlement houses, and the sanitary environment in the community is usually not particularly ideal, so many people are reluctant to buy them.

What is the difference between public housing and commercial housing loans? The difference between public housing and commercial housing loans lies in different taxes. Public houses should pay deed tax, individual tax, land transfer fee and value-added tax within two years, and only pay deed tax and land transfer fee in five years. Commercial housing has to pay deed tax, individual tax, value-added tax and property tax in less than two years, and only deed tax, stamp duty and production cost in five years. The loan amount is different. The normal commercial housing loan amount is 70% of the house price, and the public housing loan amount is only 60% at most.

The above is the answer to the down payment of public housing loans. Generally, the down payment is 30%, and the down payment of non-ordinary housing is more than 50%. The loan amount and interest are also different.